Frequently Asked Questions

You may have several defenses available, including: CACH LLC cannot prove they own the debt. The statute of limitations has expired. You were not properly served with the lawsuit. The debt amount or account information is inaccurate. You were a victim of identity theft, and the debt is not yours. Each case is unique, and… [Read More]

Ignoring a lawsuit from CACH LLC is one of the worst things you can do. If you fail to respond, the court will likely issue a default judgment against you. This judgment can allow CACH LLC to garnish your wages, freeze your bank account, or place liens on your property. 👉 Avoid default judgments by… [Read More]

The statute of limitations is the legal time limit within which a creditor or debt buyer can sue you for unpaid debt. This time frame varies by state and can range from 3 to 10 years, depending on the type of debt and where you live. If the statute of limitations has expired, you can… [Read More]

Yes, they can report delinquent debts to credit bureaus, which can negatively impact your credit score. However, if the information is inaccurate or outdated, you have the right to dispute it under the Fair Credit Reporting Act (FCRA). 👉 Contact the Law Office of Balam O. Letona for help disputing inaccurate credit reports and holding… [Read More]

The Law Office of Balam O. Letona has extensive experience defending clients against debt collection lawsuits. They can: Review the lawsuit and identify any weaknesses in the creditor’s case. Challenge improper documentation or procedural errors. Negotiate settlements or payment plans on your behalf. Provide legal representation in court to protect your rights and financial future…. [Read More]

A pre-adverse action notice is a written notice that an employer must give you before taking any negative employment action—such as revoking a job offer or firing you—based on information found in your background check. Under the Fair Credit Reporting Act (FCRA), this notice must include a copy of your background report and a summary… [Read More]

Once you receive a copy of your background report through a pre-adverse action notice, you typically have a reasonable amount of time (often 5 business days or more) to dispute any incorrect or outdated information. The background check company must then investigate and correct any errors, usually within 30 days. ⏱️ Time is critical—act quickly.👉… [Read More]

If an employer fails to follow FCRA rules, such as neglecting to provide a pre-adverse action notice or using inaccurate information, you may be entitled to statutory damages, actual damages, punitive damages, and even attorney’s fees. 💼 In Wynn v. UPS, the plaintiff claimed that UPS’s actions caused him to lose employment opportunities and suffer… [Read More]

In many cases, no—especially if the arrest did not lead to a conviction or is outdated. The FCRA, along with some state laws, restricts how long non-conviction arrests can appear on a background check (typically 7 years). Employers must also consider the relevance and age of the record before making a hiring decision. 🛑 If… [Read More]

While you can start a dispute on your own, having an experienced FCRA attorney significantly improves your chances of a successful outcome—especially if your dispute leads to job loss or emotional and financial harm. A lawyer can ensure your rights are enforced and help you pursue a legal claim for damages. 📞 Legal errors during… [Read More]